Code of Conduct and Ethics

Confidentiality of Information

A. Protecting Customer Information
All information concerning our customers, prospective customers, parent, vendors or agents, or their accounts or transactions with the Company, including but not limited to their financial, business and credit information, and all non-public information regarding the Company's business, finances, systems, procedures and intellectual property, is considered “Confidential or Proprietary Information.” We must safeguard all such Confidential or Proprietary Information in accordance with applicable law, the Company's Privacy and Safeguarding Customer Information Policies, as amended from time to time, and any applicable confidentiality/non-disclosure agreement or arrangement that Persons may have with the Company. We must use and disclose such Confidential or Proprietary Information solely as necessary for purposes of conducting the Company's business, and not use, disclose, sell, give or exchange any such Confidential or Proprietary Information to benefit ourselves or any party other than the Company.

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

Data as of March 2018. Comparison of longest average store hours in the regions (MSAs) in which TD Bank operates compared to major banks. Major banks include our top 20 national competitors by MSA, our top five competitors in store share by MSA and any bank with greater or equal store share than TD Bank in the MSA. Major banks do not include banks that operate in retail stores such as grocery stores, or banks that do not fall in an MSA.